Month: March 2018

For more articles like the one below please visit us at Plymouth architects

The Gestalt school identified several principles of use to artists and architects, but the most important is that of balance – that is, the constantly shifting balance that balances all opposites within the constantly shifting matrix of reality. Interestingly the principles of form found in the natural world are not dissimilar to the Gestalt principles that also operate in the unselfconscious human building traditions I referred to at the beginning of this article. Vernacular building traditions have evolved slowly over long periods of time and thus possess some of the coherent organic order found also in Nature. As in animal architecture, vernacular architecture possesses an inherent beauty: the beauty of integrity and unity. Such beauty emerges from the totally balanced integration of a system, its function and use into the broader realms of Nature.

So have we stumbled onto the reason why so many modern human-made environments fail to come up to the quality of some older towns and cities? At root the problem seems to lie in the spiritual posture that we adopt with Nature. Many people would now accept that as humans we are completely co-terminal with Nature. However, in claiming ownership, as we do, of that part of Nature that we call -self’, we not only separate ourselves from Nature but also separate ourselves from our own environments. Yogis tell us that the transcendental world of the spirit – the world of unity and pure consciousness – supports the relative world at each point. They tell us that the transcendental realm is a world without qualities yet gives rise to and sustains all qualities. They tell us that it is to be found in the -gap’ between the different states of consciousness: waking, dreaming and sleep; in the silences in music; between syllables in spoken language and even between our thoughts. The great 19th-century Indian holy man Ramakrishna Paramahansa was once asked, -Where do I find God?- His reply was, -Look between two thoughts.- This gap between perfectly balanced opposites is where life and spirit enter the relative world. It is also the vital middle ground between a subject and an object that defines the -mean’ and gives the meaning.

In conclusion we can say that it is order that gives life to a work and it is order that gives a work its spiritual dimension. It is in the perfect orderliness of a great work that the two worlds of materiality and spirit conjoin. Order is the agent that serves as the conduit between these two realms. Dare we say that -orderliness’ is next to -Godliness’?

It’s your first time away from home. College may be a little scary to you. You get your own space to share with a bunch of other people making it feel like a 24-7 sleepover. But wait. You like sports and your roomie likes movies. How in the world will you decorate your room?

Posters

Enter the poster. Posters have been around for hundreds of years. They provide color, themes and cover wall space to perfection. If the poster you choose is especially important to you get it framed so that it lasts longer.

Something Special From Home

So posters are the first way to decorate. Second, did you have something really special in your room at home, say a trophy or ribbon you had won? Just having that in your room will help give you the security and confidence you need to succeed while you are away at college.

Stereo

Third…How about your stereo? Bringing your own stereo to college along with your CD collection can make you one of the popular kids on campus. After dinner and before studying blast those tunes down the hall and get everyone dancing away their energy and having fun. Then everyone can settle in for an evening at the books.

Stuffed Toys

Fourth…Did you have a special stuffed animal or stuffed toy on your bed at home? This is more for the girls than the guys obviously but if it was a stuffed animal that your best friend or little brother had given you it will have a unique place in your heart so give it a special spot in your dorm room.

Hats

Fifth…Hats! For the guys, a collection of baseball hats will tell everyone about you and your favorite teams. Some hats may have pins you collected as you went from event to event. Imagine having a Yankees cap with pins of each of their World Series Championships. You would certainly stand out in a crowd of baseball fans. Maybe you were on a trip and picked up a new cap. That could start a conversation with a new friend. And with baseball caps you can buy an inexpensive hanger to put on the back of your closet door, keeping them in one place and readily accessible.

Decorating your dorm space at college is extremely important. It will make you feel at home (as best you can) and it will be a quiet and familiar place you can return to at the end of a busy school day. Think about what you want to take away with you and make decorating the first thing you do when you arrive. Get that dorm room looking and feeling like your home for the school year.

FHA home loans are by far the most popular mortgage loans available. FHA stands for Federal Housing Administration and is a government agency. These FHA home loans are generally loans that are funded by a federally qualified lender, but are insured by the Federal Housing Administration. Although a FHA Home Loan is easier to get than a conventional mortgage loan there are certain FHA Loan Qualifications.

FHA home loans are so popular because they will allow you to finance your home purchase with having much less than the traditional twenty percent down. You can have as little as three and a half percent. This really allows more people to be able to own their own home.

Once you have decided that this might be the way to finance your home purchase, you need to make sure you can meet the FHA loan qualifications.

Even though FHA home loans are the easiest type of loan to qualify for, you need to be able to meet these basic FHA loan qualifications.

1. The first FHA loan qualification is at least two years of consistent income. Most preferably from the same employer. Once you can prove your employment history, lenders also like to see that your last two years of income has at least stayed the same or even better if it has increased.

2. The next qualification is that your credit report should not have any more than two thirty day late payments in the last two years. Lenders would ideally like to so no late payments on your credit, but one or two will still be allowable.

3. Have a bankruptcy? Don’t worry, one of the FHA loan qualifications covers this area. If you have any bankruptcies on your credit, you might want to wait at least two years since it’s been discharged.

While you are waiting for your two years, you need to also show perfect credit since the bankruptcy too. As for previous foreclosures, lenders would like to see a minimum of three years of perfect credit since the foreclosure.

4. And lastly, your new mortgage payment shouldn’t be more than thirty percent of your gross income.

Those are the FHA loan qualifications on a very superficial level. Generally, these loans are the most popular because the FHA loan qualifications are so easy to meet. They are specifically designed for the average American that is really looking to purchase a home. They do not need to have ton of money down and you don’t have to have absolutely perfect credit to qualify.

So if you are looking to purchase a home and you are looking for a mortgage loan, your best chance is a FHA Home Loan because it is the FHA Loan Qualifications are more lenient than a conventional loan.

You can connect to the healing process by creating a pet memorial garden dedicated to your beloved pet. Losing a family dog, cat, or other pet can cause feelings just as strong as when we lose our human companions to death. Finding ways to cope is essential to moving through the grieving process. By creating an indoor or outdoor space in memory of your pet, you are sure to find greater peace as you contemplate positive memories that you shared with your loved one.

The first step in creating a memorial space is to determine whether it would be better suited indoors or outdoors. People who live in apartments or other dwellings without a private backyard will find that they can create a small indoor garden using a planter box or a large plant container. If you have a small porch space, you can place several plant containers in a dedicated space, and add a memorial stone that includes your pets name for a personal touch.

If you do have a private outdoor space, you will find that there are endless opportunities for creating a memorial garden. You may already have a garden space in which you can put a memorial stone, a bench that has been engraved with a special poem that reminds you of your beloved pet, angel figurines, or other objects that honor your pet.

You can also start from scratch with an outdoor space by planting a memorial tree with a stone engraved with your pets name near the tree. This will offer a living tribute to your pet.

Adding wind chimes, hanging your pets tags from a tree, using engraved memorial stones, or putting a framed picture of your pet near your indoor memorial garden are all beautiful ways to remember your pet. No matter what methods you use to honor your pet, create a unique space that speaks to you and that helps you to remember your pet with fond memories.

Whether a newly planted tree, an existing tree, indoor potted plants, an outdoor garden, or any other dedicated space for your pet memorial, you will find that tending to that space offers you solace and a place to honor your special friend. Helping your indoor or outdoor garden grow will also assist you in working through the grieving process. Many families have found that their family members, young and old, are helped through their own process of grieving when they are able to honor their deceased pet with a memory garden.

Contractor insurance is an essential element of running a contracting business and comprehensive insurance cover can mitigate the impact of events such as thefts, an investigation by HMRC or even the threat of legal action and compensation arising from client accusations of negligence.

Umbrella company contractors are normally covered by their umbrella company employers policy, but limited company contractors must make their own arrangements to ensure they have adequate cover in place to satisfy business and client requirements.

Insurance types to consider

There are three main categories of insurance that contractors should consider:

Office
Professional indemnity
Tax investigation.

A comprehensive office policy would normally include public liability and employee liability, legal requirements for trading limited companies, plus home office contents and portable equipment cover for business equipment, such as laptops and mobile devices.

Professional indemnity insurance, also known as PI, will provide the funds to cover legal advice if a client levels accusations of negligence against a contractor, and may also cover any payouts for compensation. Most clients, particularly those in the public sector, require that a contractor limited company has at least 1m in PI cover.

Tax investigation insurance covers the cost of accountants and other expert assistance in the event of an investigation by HMRC. A routine compliance visit by an inspector may only cost a few hundreds of pounds in an accountants time, but if the investigation develops into a full-blown IR35 case, the cost of an expert defense can run to tens of thousands of pounds, which could financially ruin a contractor who does not have insurance.

Choosing the right policies

Not every contractors insurance needs will be the same. Some contractors may have requirements unique to their sector, or could have business premises, such as an office or workshop, that require specialist cover.

A specialist small business insurance broker will usually assess a contractors insurance requirements as part of their service and then actively seek out the most appropriate policies for the contractors specific needs from the market.

Alternatively, it is possible to obtain a comprehensive package of insurances directly from an insurance company, but contractors should ensure the insurer understands the contractor marketplace and has a track record in providing contractor insurance products.

Contractor insurance costs

As most policies will be individually tailored to a specific contractors needs, each policy is priced accordingly. Buying insurance in a bundle direct from an insurer or via a broker is usually more cost effective than buying different policies direct from different suppliers.

As a rule of thumb, a comprehensive office policy costs a few hundred pounds, PI insurance from a few hundred to several thousands, depending on the amount of cover required and the type of services the contractor provides.

Tax investigation insurance comes as a benefit of PCG membership. If bought separately, it can cost a few hundred pounds a year, and compared to the potential cost of an investigation, it is generally a worthwhile investment.

Could there be something much better-than having a parcel of property that will offer your family security and them feel closer to nature? The land that it is located on is 17.8 acres wide creating the house at 55 Dyer Ave. invaluable for home owners. It includes you some wonderful vistas of the woodlands along with a serene meadow along with two ponds which are teaming with trout and bass along with an extensive backyard that outlines the exterior are a significant sight. It experienced a major overhaul back in 2003 and is one the best properties in Montpelier.

The Interior of the Home

Although it may not seem like it at first glance, this home has lots of living space inside and it measures 4,200 sq. ft. to be precise. Your kitchen is excellent and is packed with features such as a sub-zero fridge, an oven on the wall, and a couple microwaves. Other characteristics you will see in the kitchen are two dishwashers and two or three disposals.

In addition, you receive a really big family room using a fireplace that may keep you warm whenever the temperature begins to drop. Should you’re feeling like being alone and only want to relax, then you certainly can go check out the den. Should you choose to feel like visiting the den, then you’ll be thrilled to see its wonderful entertainment center.

The primary level has three bedrooms and one of those bedrooms occurs to your private suite that will cause you to feel as you’re residing in a luxury hotel. Downstairs is a huge game room where you can simply forget about your issues to get a while and love some games with your family and friends. Other areas to examine downstairs are the 4th bedroom as well as just one partial bath. There’s even a jacuzzi in the back deck of the house, too.

Let’s Go to the Outside

At 17.8 acres, the outside is fairly huge and provides some pretty panoramic views of Montpelier. If you’re feeling like pursuing some fish, then you can always try to catch some trout or bass in both ponds near to the residence. You can even visit the gardens and relax just a little bit while basking in the pleasant view of the woodlands.

There is, in addition, a recently constructed barn situated just outside your home that you could use like a garage to accommodate up to four vehicles or as a personal workspace or hobby space. This house is really one of a kind and at $849,000, is readily on of the top ones available in the Montpelier Vermont real estate market. Don’t jump with this home.Montpelier real estate

The Central Contractor Registry (CCR) is the main vendor database for the United States federal government. It first collects, then validates and stores, and finally disseminates data “in support of agency acquisition and award missions.” One of the major steps in this process is the federal vendor registration – i.e. where contractors need to go first in order to bid on federal bids. This registration is free.

Any organization seeking to work with the federal government under “a FAR – based contract must be registered in CCR before being awarded a contract.” Prospective vendors are required to be registered in Central Contractor Registry before the award of a contract basic agreement, basic ordering agreement or blanket purchase agreement. And it is a requirement for all registrants, both current and potential, to register in CCR in order to be awarded by the federal government.

What is required to register?

A Data Universal Numbering System (DUNS) Number. A nine digit number provided by the commercial company D&B. The process to request takes about ten minutes and it is free of charge.
Tax Identification Number (TIN) or Employer Identification Number (EIN)
Employe Information
Company Information
Electric Funds Transfer (EFT) Information
For more Information, please click here

But HOW do I register?
It’s a very simple and stress-free process with only two steps. First, access the Central Contractor Registry online registration through the home page. Find the “Start New Registration,” and click on it.

Second and final step, complete and submit the online application. If you have all the information required, the registration process takes around one hour to complete. However, that is up to the size and complexity of your business or organization.

To learn more go to AllGovBids.com to learn more about registering with the Federal government, as well as state and local government entities. Every government entity vendor registration is different, and even can include different sets of vendor forms and instructions. AllGovBids.com has archived these vendor forms, registration instructions and portals for every level of government, from Federal registration through CCR (Central Contracting Registry) to state and local governments.

To access these vendor forms and links go to AllGovBids.com, login or create an account, and click “Bidding Resources” in the navigation bar. Direct links to government resources can be found by clicking on the “Bidder Resources” section.

Furniture isnt a cheap purchase, and whether it is one room or the entire home that needs filling, you can easily find high quality furniture that will meet all of your expectations while also saving a bit in the process. How can you find the best bespoke furniture?

First, search the web for reviews. You can find reviews for most any type of furniture you could think of, from all of the top brands. Using reviews can give you a great perspective of a piece of furniture before you spend your money. No matter your budget, ensure that you are shopping with a trustworthy company.
When shopping with a trustworthy company you can count on getting high quality furniture that meets your price range. Again, reviews are a great way to find a reputable company. Consider shopping on the web as well. Many times furniture can easily be found on the web, and you are always assured a larger selection than what can be found sitting inside of local furniture stores. And, the costs may be less when using the web to find your furniture. You can shop online any time that you like, and might even prefer doing a bit of online browsing and shopping as well as a bit in store as well.

Do not settle for less. It is your home, and having furniture that you like, that meets your style, will ensure a happy home is made. Even if it takes a bit of extra time and searching, dont stop until you are satisfied, even thrilled, with the furniture you are getting. This is a true statement regardless of the room or rooms you are buying for.

If you are on a tight budget, compare costs before you buy. This is great even for those who are not, however essential for those who are. This is a free service most easily completed on the web. It will take you only a few short minutes to compare prices, and doing so could result in taking home savings of as much as 50{f9413d5d325f45061dfc132a094642f2348a0b6f91ea2179607d6ae578131383}!

Finding bespoke furniture is an important decision when wasting your earnings is a no-no. You want stylish furniture made to last that looks great inside of your home. Take these tips with you when shopping and great furniture that you love will always be yours. You might even save a little bit while you are at it!

Whenever you have any type of problem regarding real estate that you seem out of your depth to solve on your own it is always a good idea to hire the services of a reputable Fort Lauderdale Estate Planning Lawyer. You have nothing to lose by going for an initial consultation because a lot of lawyers will provide you with a free consultation on your first visit. This will allow you to decide if the lawyer can be of any help to you before you need to pay anything.

Planning permission help

If you want to build an extension to your house or a conservatory in your garden then it is necessary to get planning permission. Depending on the area in which you live in the specific laws regarding what you can and can’t build will be different. Therefore, it is a good idea to choose a lawyer that operates in the local area so that he or she will have an in depth understanding of the local planning permission laws.

A good quality South Florida estate lawyer can also help with any planning permission application forms that need to be filled out. Their help can prove to be important as forms that are filled out correctly will result in a higher chance of success.

Reduction of costs during a transfer

Whether you are buying or selling a house, a good quality Fort Lauderdale estate planning lawyer will be able to help you with the proceedings so that the costs and duration of the transfer are minimized. Depending on the price of the house the savings can prove to be very significant and the cost of the lawyer will pay for itself.

It is important to hire a lawyer that you can trust so that you can have the peace of mind that everything is being done with your best interests put first. Hiring a lawyer that you can trust involves looking into their reputation or asking someone that you trust for a recommendation. Either way don’t rush the process of selecting a lawyer as it may prove to be counterproductive if you end up with one that you find difficult to trust.

Estate controversy cases

If a member of your family has died and there is a dispute regarding who should rightfully inherit a piece of real estate then you can hire a lawyer to help you settle the dispute. It is important to find a good quality lawyer for such cases because the winner of the case can depend upon who fights the hardest to present their case.

For investors who have some capital under their belts, commercial real estate in Detroit can be a lucrative way to make more money. While it’s true that you will need some business experience and already have some money in order to make it work, if you are successful, you stand to make a great deal of profit. You do need to know your facts about commercial real estate in Detroit first though, and as with any business venture you will need to do your research before you enter into any kind of venture.

There are six different sub categories of commercial real estate in Detroit: leisure, retail, office, industrial, health and multi-family. The credit crisis has meant that the retail sector may not be as strong as it used to be, but the commercial markets are still pretty lucrative for people who are well connected and ambitious. Leisure incorporates hotels, restaurants and cafes, while retail is concerned with shops, malls and shopping centers. Corporate and serviced offices make up the office commercial real estate sector, while industrial is dedicated to warehouses, distribution and garages. Health real estate is concerned with hospitals, nursing homes and medical clinics.

One tip is to go into commercial real estate in Detroit, in whatever profession you have working experience in. That means, as an ex-hotelier or restaurant owner, you are likely to have a network and insight into the leisure sector and could do well by expanding your knowledge into the property market. Doctors who have made a sizeable nest egg and are familiar with the practicalities of running a medical practice tend to do well when it comes to medical or health real estate.

It’s not only about buying a property and renting it out, so your previous professional experience can only take you so far. In order to be successful, you need to have good interpersonal skills and a strong financial acumen, and having made your money working for someone else for years, it may benefit you to do a course before you plough all your money into a real estate venture.

You also need to be relatively well connected or at least have an idea of where you can find suitable clients that you can rent your properties out to. You will need market awareness of the lease durations your clients will need and the payment terms that will make your commercial real estate in Detroit attractive to potential customers.

For more information about the Detroitcommercial real estate, please visit our website.